Notes

2023

2022

Income

Interest income from financial instruments measured at AC

473,938

335,256

Interest income from financial instruments measured at FVPL

58,653

15,828

Interest expenses from financial instruments measured at AC

-170,269

-128,868

Interest expenses from financial instruments measured at FVPL

-140,756

12,707

Interest expenses on leases

-122

-139

Net interest income

(21)

221,444

234,784

Dividend income

(22)

34,481

41,423

Results from equity investments

(23)

-39,814

49,266

Total results from equity investments

-5,333

90,689

Fee and commission income

7,737

10,912

Fee and commission expense

-14,202

-12,809

Net fee and commission income

(24)

-6,465

-1,897

Net results from financial transactions

(25)

7,629

-18,831

Remuneration for services rendered

(26)

31,335

32,937

Gains and losses due to derecognition

(27)

2,464

299

Other operating income

(28)

79

-

Total other income

41,507

14,405

Total income

251,153

337,981

Operating expenses

Staff costs

(29)

-127,460

-108,393

Administrative expenses

(30)

-39,731

-32,087

Depreciation and impairment of PP&E and intangible assets

(11), (12)

-9,634

-11,450

Other operating expenses

-775

-510

Total operating expenses

-177,600

-152,440

Impairments on

Interest-bearing instruments

(5)

-8

-34

Loans

(7), (8)

-38,622

-126,634

Loan commitments

(34)

-1,259

-5,262

Guarantees issued

(34)

243

-10,853

Total impairments

-39,646

-142,783

Results on associates/joint ventures

Share in the result of associates/joint ventures

26,065

-58,596

Profit/(loss) before taxation

59,972

-15,838

Income tax

(31)

4,950

16,873

Net profit/(loss)

64,922

1,035

Net profit/(loss) attributable to

Owners of the parent company

64,922

1,059

Non controlling interest

-

-24

Net profit/(loss)

64,922

1,035